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Specialist advisors for small holding mortgages.

Big ambitions for your small holding? Our team of expert mortgage advisors can help you find the finance you need to make your dreams a reality.

Your home may be repossessed if you do not keep up repayments on your mortgage. When The Bank Says No is a mortgage broker, and not a lender.

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Finding The Best Small Holdings Mortgage Deal For Your Circumstances

Finding a residential mortgage for a small holding can be tricky territory. High street lenders can be cautious about providing mortgages for properties with large amounts of land due to the upkeep required, potential commercial use and occupancy restrictions. If you’ve got your heart set on your own little parcel of land, don’t worry – there are options out there for you. When the Bank Says No is a team of mortgage experts who specialist in helping clients find mortgage deals for their small holding property. Whether you have bad credit, a small deposit, or have been previously declined, we’re on a mission to take the fear out of the mortgage process, and ensure no obstacles stand in the way of you and your future home.

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What is a small holding property?

A small holding is a residential property that has more land than a traditional garden but less than a working farm. They are generally less than 50 acres, though some can be larger and still be classed as such. The land may be used for crop growing and livestock grazing or kept as woodland and grassland.

If you are looking to live in a small holding, you may find the mortgages available to you are limited. The good news is that there are options out there for prospective small holding owners – you just need to know where to look! Our team of experienced mortgage advisors have access to specialist lenders who provide mortgage for small holdings. Whether you want to use your small holding for business or personal use, we can find the right mortgage option for you.

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Let's get the ball rolling.

We can support you and help you to make yourself as attractive to banks as possible, ready for your next application!

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Check your credit file.

In order for us to assess your credit history and suitability for different mortgage products, you will need to check your file.

Can you get a residential mortgage for a small holding?

Yes, you can get a residential mortgage on a small holding if you intend to reside there. Even so, some lenders won’t be happy to provide mortgages for these types of properties, but there are options out there – you just need to know where to look! If you intend to run a business from your small holding, a regulated commercial mortgage may be more suitable. There are even solutions if you want to run a holiday let. Our team of experienced mortgage advisors have access to specialist lenders who provide mortgages for small holdings – get in touch and we’ll help you find the right option for you.

Turning Your Nightmares Into Dreams

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When you think you’ve hit that brick wall and have all but given up hope of finding mortgage finance, When the Bank Says No are here to turn your ‘No’ into a ‘Yes’. We have access to a range of specialist lenders who are willing to help those that the High Street banks just won’t touch. Get in touch today and see how we can turn your dreams into a reality.

What types of properties can be purchased with a small holding mortgage?

A range of properties can be purchased using a small holding mortgage.

  • Holiday lets.
  • Airbnbs.
  • Cattery.
  • Kennel.
  • Rental property.
  • Campsite.
  • Glamping site.
  • Vineyard.

Due to the varied nature of small holdings, it is important to enlist the help of a specialist mortgage broker. Each scenario is different, and the correct approach each time will vary depending on whether the property will be entirely residential, entirely for business, or a mixture. We will need to understand your plans for your future small holding to ensure we find the most suitable option for your circumstances.

Why have I been declined because of the size of the garden?

What you perceive as a garden, a lender might perceive as something else and this may lead them to decline you if they do not specialist in small holding mortgages. A garden bigger than 5 acres could make the lender consider what the land might be used for in the future – opening them up to potential risk. More than that, the upkeep of properties with large amounts of land can be expensive, leading some lenders to factor this into affordability calculations, making you no longer suitable for their lending criteria.

It is important to get advice from a solicitor as to what land restrictions may be in place – if the property has agricultural ties, for example. There may even be restrictions on what plants you can grow there! Whatever the type and intended use of the property, we can help you navigate this tricky territory and set you up for success with your second application.

Frequently Asked Questions

Can I get a mortgage for a small holding with bad credit?

Bad credit is never ideal, and it will decrease the number of options open to you. Despite this, many lenders will still consider you, despite the added complexity of a small holding mortgage. If you’re concerned that your credit might prove a stumbling block on your way to purchasing your property, our experienced advisors can help you establish the best route forwards. Give us a call today and we can get started – be sure to have your credit file ready so we can get to work fast!

Expert mortgage advisors for small holdings.

Small holding residential mortgages can come with added complications, so it’s important to get expert advisors on your team as early as possible in the process. When the Bank Says No specialist in all types of residential mortgages, and have helping many clients achieve the finance they need to secure their small holding property. We don’t care about perfect – we support people in all sorts of situations. Spotless credit file or adverse history, we’re here to help you put your plans for your small holding into action.

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